Aonir, Vets should be able to tell the difference between an innocent murmur (or functional murmur) by just listening. An innocent murmur disappears as the kitten grows. A dangerous murmur can cut down life expectancy. Perhaps your vet thinks the sound is not clear enough? - or that it is borderline. However, before you spend that $200, get that clarified. What can be done if is a defect in the heart? Perhaps, if it's not dangerous, the vet could check it again in a few months. I'm puzzled. Not that I am an expert, but am going by the experience I've had with breeding cats and dogs and raising four human children, two of whom had innocent murmirs. I've also had pups with innocent murmurs and one with a dangerous murmur. The vet knew the difference immediately.
I'm sure that if your fiance is honest, he won't mind making payments on that $500. It's better not to borrow or lend-or even do business when a family member or friend is involved. You might never see that money again--especially if he's avoiding the subject. Have you two set a date yet? I don't mean to be cynical, but when you owe someone money, doesn't it drive you crazy until you have paid it back? I hope he feels that way.
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A dog, I have always said, is prose; a cat is a poem. ~Jean Burden